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State Bank Of Fairmont
Fairmont, MN · FDIC Certificate #8541 · Chartered 06/0
Total assets
$154.22M
Total deposits
$139.05M
Total equity
$14.79M
Net loans
$104.44M
Branches (offices)
1
Net income (YTD)
$1.31M
Rank: #3,275 of 4,213 U.S. banks by assets · #132 of 221 in Minnesota. Assets changed 8.8% and deposits 8.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.74% |
| Return on equity | 18.13% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 9.59% |
| Tier 1 leverage ratio | 10.40% |
| Uninsured deposits (share of deposits) | 23.5% |
| Noncurrent loans (share of loans) | 2.03% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 75.1% |
| Real estate loans (share of loans) | 46.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $48.42M | 46.4% | |
| Commercial & industrial | $31.01M | 29.7% | |
| Consumer / individual | $6.39M | 6.1% | |
| Construction & development | $951.00K | 0.9% | |
| Agricultural | $20.40M | 19.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $126.92M | $114.50M | $790.00K | $11.83M |
| Jun 2023 | $135.74M | $123.61M | $889.00K | $11.89M |
| Jun 2024 | $136.47M | $123.54M | $896.00K | $12.59M |
| Jun 2025 | $141.76M | $127.73M | $1.13M | $13.65M |
| Jun 2026 | $154.22M | $139.05M | $1.31M | $14.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $139.05M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $139.05M.
Similar-sized banks
Spratt Savings Bank ($154.40M) · Waldo State Bank ($154.21M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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